Are You Paying too Much for San Rafael Home Owners Insurance?

Are You Paying too Much for San Rafael Home Owners Insurance?

Otherwise known as hazard coverage, homeowners insurance allows property investors to recover their losses in the event of extensive damage. Before a mortgage settlement can be finalized, homeowners must have a policy that insures their home against unforeseen events. Annual insurance costs are influenced by many factors, and San Rafael residents must also protect themselves from earthquakes and floods with separate policies.

The location of the property will greatly affect the cost of homeowners insurance, but there are ways to reduce your premium. In order to qualify for insurance discounts, the property must be structurally able to withstand what nature throws at it. For advice on how to reinforce your building to meet these standards, contact Allied Restoration Company on 415-529-5637. Unfortunately, living in a high-risk area such as San Rafael is bound to increase insurance costs, so how do you know if you are paying too much?

Calculate an Average Estimate

According to Forbes, underinsuring property is one of the biggest mistakes homeowners make. Insurance costs range from $300 to over $1,000, but you can calculate an average estimate using this simple formula: divide the value of the property by 1,000, and then multiply that figure by $3, 50.

Insurance Coverage

There are different types of homeowners insurance and the costs vary according to what is covered. Most standard policies protect against vandalism, wind and fire. Property investors in San Rafael are advised to read the fine print to know what your premium covers, or you will be paying too much for what you actually get.

Consider the Geographic Location

Due to the fact that San Rafael is situated near California’s major fault line, insurance costs are higher and earthquake insurance must be purchased separately. Know that your standard homeowner’s insurance policy will not cover you in the event of natural disaster, including flooding.

Ask for Advice

There are a variety of ways to reduce annual insurance costs. Shopping around for the most comprehensive coverage is advised by The California Department of Insurance. In addition to this, a sturdy roof, reliable security system, functioning deadlocks and smoke detectors will decrease premiums by as much as five percent. Home renovations are looked upon favorably by insurance companies, because they help protect the property from severe damage.

There is no need to pay more than necessary for homeowners insurance, especially as these policies are extremely expensive. Insurance costs in San Rafael are calculated according to risk, making it essential that your property is valued correctly. Allied Restoration Company is available to offer assistance to those looking to reduce their insurance premiums. Contact us on 415-529-5637.

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Ratings

Not Cheap but Allied was very fast in showing up and getting the cleaning job done even on a Sunday.

4.0 rating

December 30, 2018

Allied was very fast in showing up and getting the cleaning job done even on a Sunday.
The pricing of the service may be a little steep if you get the fans for several days, you may want to check the contract accurately to avoid misunderstandings. Support responds very promptly.

stefano g

This folks are real pros !. Quick,Careful,efficient and tremendously considerate.

5.0 rating

December 30, 2018

This folks are real pros !. Quick,Careful,efficient and tremendously considerate.
They left everything like new and helped me deal with the insurance reviewer!
I would not go anywhere else.

Raul G

5 stars to the team at Allied. Geronimo and his partner saved the day when they came to my home after a severe leak had damaged my closet and bedroom.

5.0 rating

December 30, 2018

5 stars to the team at Allied. Geronimo and his partner saved the day when they came to my home after a severe leak had damaged my closet and bedroom. They acted quickly and professionally to dry the rooms out and prepare them for being restored. I was so pleased and relieved to work with this team. This includes the professionalism of Misty who took my initial call. She knew how stressed I was and was right there to help me with a plan of action – all leading to a great result! Thanks so much! Sarah in Santa Rosa

sarah G

ur 370-unit property uses Allied exclusively. The entire team is very responsive and informative. Prices are competitive.

5.0 rating

December 30, 2018

Our 370-unit property uses Allied exclusively. The entire team is very responsive and informative. Prices are competitive. Moreover, Allied’s workmanship is excellent and thorough.
Allied also works seamlessly with our insurance adjusters on larger projects

Michael G

BRAVO - job well done! Discovered a flood at home in San Francisco - water had been over flowing a 2nd floor sink for 15 hours

5.0 rating

December 30, 2018

BRAVO – job well done! Discovered a flood at home in San Francisco – water had been over flowing a 2nd floor sink for 15 hours. Contacted Allied, signed work order on line and workers were at the house within 15 minutes. They brought a truck load of equipment to mitigate the damage. Drying fans were installed, heating pads were placed on hardwood floors, walls and ceilings were opened and drying and dehumidifying tubes installed. Excellent, professional care. Very pleased with their swift delivery of emergency service AND their attention to detail to ensure the water damage was dried out completely.